Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Experian is reporting that the ( XXXX XXXX XXXXXXXX ) account status as Late ; however, according to XXXX and XXXX online monitoring services report, I have no late payment and no collection on the ( XXXX XXXX XXXXXXXX ) therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to express my extreme frustration and disappointment regarding the fraudulent accounts that have recently appeared on my credit report. I demand your immediate attention and action to rectify this situation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is beyond comprehension that such fraudulent activities have infiltrated my credit report, jeopardizing my financial well-being. I expect your organization to uphold the highest standards of accuracy and integrity when it comes to maintaining credit reports. The presence of fraudulent accounts is not only damaging to my credit score but also raises serious concerns about the effectiveness of your security measures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I demand the aggressive deletion of these fraudulent accounts from my credit report without any further delay. This matter requires urgent attention, and I will not tolerate any delays or excuses. I have attached the necessary documentation, including proof of identity and evidence of the fraudulent nature of these accounts, to facilitate a swift resolution. If your organization fails to address this matter promptly and effectively, I will not hesitate to pursue legal action and file complaints with the relevant authorities. The impact of these fraudulent accounts on my financial reputation is severe, and I will not tolerate any negligence on your part. Your immediate attention to this matter is non-negotiable. Failure to comply will result in severe consequences, and I will not hesitate to escalate this issue through legal channels.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Data breach Hello, my name is XXXX XXXX And my information was bought and sold illegally and I was a victim of the XXXX data breach. And I want these items deleted from my credit reports effective immediately! I am attaching proof that XXXX admitted, that I in fact, was a victim of this data breach and XXXX has done nothing I was these accounts deleted off off my account immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is closed and never was late Correct this immediately Personal info My name is as stated XXXX XXXX I do not and have not ever gone by any other name and want all other names removed off of my consumer reports Addresses My address is as stated XXXX XXXX XXXX XXXX XXXX pa XXXX I want all other addresses removed from my consumer reports I want all employment history removed from my consumer report Thank you Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am so beyond frustrated, I have been trying to address the errors and solve this problem with your agency and corporations and debt collectors and have continuously been ignored. I am now having to escalate things, because I am not being treated fairly and my complaints continue to be disregarded. I am needing to escalate things to a legal complaint, because these errors are invalid and unverified yet continue to stay on my report without knowledge of accuracy or my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX # XXXX XXXX XXXX, CT XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Subject : Assertive Dispute of Unauthorized and Unverifiable Account on Consumer Report To XXXX, XXXX & Experian, I am writing to dispute a blatant violationan unauthorized and unverifiable account XXXX XXXX XXXX XXXX has glaringly appeared on my consumer reports with XXXX, XXXX, and Experian. The presence of this item unequivocally tarnishes my creditworthiness and unequivocally constitutes a breach of my privacy. I assert, unequivocally, that this unauthorized account is a blatant form of identity fraud, even in the event of a permissible purpose, for which I categorically have not given consent. The reporting of this account is a violation under federal law, explicitly governed by the Fair Credit Reporting Act ( FCRA ). Sections 611 ( a ) and 611 ( b ) of the FCRA unambiguously outline the procedures for reinvestigation of disputed information and the prompt notification of disputed information to furnishers of information, respectively. The Fair and Accurate Credit Transactions Act ( FACTA ), Section 312, leaves no room for ambiguity, establishing the unwavering responsibilities of furnishers of information to consumer reporting agencies. I assert, without a shadow of doubt, that this item must be thoroughly investigated and promptly removed from my consumer reports, as it unequivocally violates both federal laws. I emphasize, without hesitation, that I did not provide consent for this item to be included in my consumer profile, and I categorically assert my right to have it deleted. This account outright violates North Carolina law, specifically the North Carolina Identity Theft Protection Act under Chapter 75, Article 2A, encompassing provisions from N.C. Gen. Stat. 75-60 to 75-68. I demand that XXXX, XXXX, and Experian, along with XXXX XXXX XXXX XXXX take immediate and unwavering action to delete this item within 30 days from the receipt of this dispute. Any failure to comply within this stipulated timeframe will be considered willful noncompliancean offense for which XXXX, XXXX, Experian, and XXXX XXXX XXXX can and will be held civilly liable. I expect nothing less than a swift and assertive written confirmation of the resolution once the unauthorized and unverifiable item has been removed. Thank you for your immediate attention to this matter. Done in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to express my extreme frustration and disappointment regarding the fraudulent accounts that have recently appeared on my credit report. I demand your immediate attention and action to rectify this situation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If your organization fails to address this matter promptly and effectively, I will not hesitate to pursue legal action and file complaints with the relevant authorities. The impact of these fraudulent accounts on my financial reputation is severe, and I will not tolerate any negligence on your part. Your immediate attention to this matter is non-negotiable. Failure to comply will result in severe consequences, and I will not hesitate to escalate this issue through legal channels.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A